H E B Federal Credit Union

Headquarters

4630 N Loop 1604 W Ste 101
San Antonio, TX 78249
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 4.35% →
1-Year CD 0.49% 4.59% →
2-Year CD 0.58% 4.47% →
5-Year CD 0.74% 4.50% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2026 Overview

General Credit Union Information

H E B is an NCUA insured institution located in San Antonio, TX. It was founded in 1963 and has approximately $218.15 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 15650
Date Established 1963
Assets $218.15 million
Loans $152.03 million
Deposits $173.34 million
Capital $39.44 million
 

Field of Membership Restrictions

Membership is open to employees of H-E-B Grocery Company or its subsidiaries or their immediate family or the immediate family of an existing member. (Membership requirements are listed in the credit union's online application)

Deposit Rates - September 29, 2026

Your Current Location: Arizona, AZ 85001

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.15% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.37% $10,000 $14,999 Learn More
6 Mo CD
0.37% $100,000 $199,999 Learn More
12 Mo CD
0.49% $10,000 $14,999 Learn More
12 Mo CD
0.49% $100,000 $199,999 Learn More
24 Mo CD
0.58% $10,000 $14,999 Learn More
24 Mo CD
0.58% $100,000 $199,999 Learn More
36 Mo CD
0.67% $10,000 $14,999 Learn More
36 Mo CD
0.67% $100,000 $199,999 Learn More
60 Mo CD
0.74% $10,000 $14,999 Learn More
60 Mo CD
0.74% $100,000 $199,999 Learn More

Loan Rates - September 29, 2026

Your Current Location: Arizona, AZ 85001

There are currently no loan rates available for H E B

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Arizona 30 Year Fixed Mortgage Rates 2026

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Featured - Arizona Home Equity Line Of Credit Rates 2026

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Note to H E B
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Branches

Below are H E B branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Phoenix,Arizona


H E B Locations around zip code 85001




Climate Policy and Initiatives

H E B is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

H E B Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of H E B. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
H E B U.S. Average
1.03% 6.78

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2025, H E B had $407,217 in non-current loans and $5,839 in owned assets. To cover these potential losses it had $39,442,173 in net worth and $533,312 in loans loss reserves. That gives it a Texas Ratio of 1.03%.

Net Worth
H E B U.S. Average
18.08% 14.48%

H E B FCU has a net worth of 18.08% versus the BestCashCow average of 14.48. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for H E B

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